The complete Commercial Finance and Letters of Credit Course

This is not an average course. It is the most detailed and comprehensive course on Corporate and Commercial Credit. It is the culmination of 42 years of credit and corporate experience in some of the largest banks in the world created over 2 years of preparation.

This is a comprehensive Commercial Trading Corporate credit analysis training program designed to teach you the economic industries and other financial sectors of the economy. How do imports / exports of goods from/to international markets work, and how to make use of the financial ratios analysis the right way to make an appropriate credit decision or even to manage and or invest in large companies. The course will enable you to pass any interview for a credit manager position in any financial institution and will enhance career.

The course is made up of 6 main modules that complement each other. Each module encompasses lessons filled with beautiful graphics with downloadable summary text, a Discussion of the subject, a quiz with relevant answers.

The course is suitable for aspiring credit managers in a bank, or other lending institution, managers of trading companies, investors and financial analysts and anyone in business wanting to learn about trading and import/export business.

Here’s what you’ll learn in the First module:

-Fundamentals of Corporate Credit

-PESTEL Analysis

-SWOT Analysis

-The 5 Cs of credit

-The use of Security/Support to mitigate credit risks.

-Handling the Security/Support, local and international

-Managing Security/Support in distressed situations.

by the end of this module you will be familiar with the credit principles used by lender banks and the methods they use to manage collateral and minimize risks.

In the second module, we cover,

The Different types of Organizations involved in the Trading Sector which also applies to any other form of business in the economy, such as:

Sole Proprietorship

Partnership

Limited liability Partnership

Corporation

Joint Ventures in Contracting

Legal Aspects and Documentation

Liquidation

Bankruptcy

Security Support taken by Lenders

Risk Areas

The Credit Approach to each organization.

This module will set a strong base to understand and differentiate relevant risks.

The third module covers what financing methods are used in local and international business:

– Trading secrets, Agri-buisness way of finance, Manufacturing sector way of finance

–  Accounting treatment of inventory; LIFO / FIFO

– Factoring, types, processes, risks and techniques.

-Warehouse trust Receipt finance, types, processes, risks and techniques.

– Working Capital finance.

This module will set the way for to navigate the complexities of commercial businesses.

The Fourth Module:

– Letters Of Credit/ Import Export techniques

-The Parties to a Letter Of Credit, roles and responsibilities

-Types of Letters Of Credit (LCs)

-The Process in Opening Letters Of Credit (LCs)

-Characteristics of LCs and the role of ICC / UCP codes

-Methods of Delivery- detailed explanation of each method with legal and financial implications

-INCO Terms and explanation of each method.

– Shipping Guarantees and how it is misunderstood by most banks

This section is very detailed and explains all the issues and complexities surrounding Letters of Credit and modern view of its electronic processes. This is considered a full fledge and comprehensive independent course in itself.

The Fifth Module :

– Understanding the Basic Accounting principles for beginners

– The financial statements, its components and importance

– The External Audit opinion, views and roles

– The Complete Financial Ratio Analysis System That helps you evaluate any business Financial Performance With Real World Examples Included!

• How to Use the most important and Useful Financial Ratios to Spot Performance Trend of a commercial finance and any Business

• How to Measure a Company’s Liquidity

• Current Ratio Analysis

• Quick Ratio Analysis

• Cash Ratio Analysis

• How to Measure a Company’s Solvency

• Debt to Equity Ratio Analysis (D/E)

• The Altman z-score ratio analysis and what it means.

• Debt to Asset Ratio Analysis (D/A)

• Financial Leverage ratio

• Degree of Financial leverage Ratio

• Working Capital to Debt Ratio Analysis (WC/D)

• Debt Service Coverage Ratio Analysis (DSCR)

• Times Interest Earned Ratio Analysis (TIE)

• How to Measure a Company’s Efficiency

• Inventory Turnover Ratio Analysis

• Average Inventory Processing Period Analysis

• Accounts Receivable Turnover Ratio Analysis

• Average Collection Period Analysis

• Accounts Payable Turnover Ratio Analysis

• Average Payment Period Analysis

• How to Measure a Company’s Profitability

• Gross Profit Margin Ratio Analysis (GPM)

• Operating Profit Margin Ratio Analysis (OPM)

• Net Profit Margin Ratio Analysis (NPM)

• Return on Net Assets Ratio Analysis (RONA)

• Return on Common Equity Ratio Analysis (ROE)

• Price to Earnings Ratio Analysis (P/E)

• Earnings per Share Analysis (EPS)

• Enterprise Value to EBITDA Ratio Analysis (EV/EBITDA).

This module will enable you to analyze and reach appropriate decision about lending to a particular industry with confidence.

The Sixth Module is the capstone of the course :

-How to use all the above information to prepare the perfect credit proposal to seek credit approval.

-What you should consider preparing the credit proposal

-What you should not do writing the credit proposal.

This module will provide you with the necessary skills to put together a proposal presentation that will guarantee the Credit Committee approval to sanction a loan.

This training course is very comprehensive and worth the investment. It will enable you to come on top of any interview and help you progress fast in your career supported by quality knowledge and experience.

Who this course is for:

• Aspiring credit managers, finance analysts seeking a career in corporate finance

• Business students wanting to deepen their finance knowledge

• Professionals in finance needing to upgrade their skills

• Entrepreneurs looking to understand finance for business decisions

• Non-finance managers aiming to learn financial analysis

• Anyone interested in the financial workings of companies

The course is full of condensed information without waste of time. It is designed to be easily understood by absolute beginners. After completing the course, you will be equipped with necessary tools to handle a credit manager position or a highly skilled financial analyst and answer any situation you come across. I am excited to show you how this can change your life and put you on the right track for a career full of success. As a bonus for completing the training course I have included complimentary lessons and videos to give you larger view of how business and the economy work in the world for a wiser decision making.

So, Let’s get started !!!

Who this course is for:

• Credit Managers, Finance Managers, Starters Applying For A Position in Banks or Any Other Financial Institution, Business Entrepreneurs, Aspirant Transaction Banking Applicants or Working in a Bank, Investors, Financial Analysts Or Any One wanting To Know About Financing Commercial Business,